The Financial Aid Office at Harford Community College is committed to helping you feel financially empowered! With assistance from APG Federal Credit Union, we’re offering a series of FREE workshops on the important financial topics listed below. The workshops will be held multiple times over a six-week period during the spring 2015 semester. You may pick the topics that most interest you, but we strongly suggest you attend as many as possible.

The Financial Aid Office at Harford Community College is committed to helping you feel financially empowered! With assistance from APG Federal Credit Union, we’re offering a series of FREE workshops on the important financial topics listed below. The workshops will be held multiple times over a six-week period during the spring 2015 semester. You may pick the topics that most interest you, but we strongly suggest you attend as many as possible.

Week 6: Getting YOUR Credit

Credit WILL impact YOUR life – past, present and future. Make a credit card work for you!

In honor of Money Smart Week, Mark Kopatch, Programs Manager of Eastside CDC, Inc. will speak at Towson University to explainabout credit and the pitfalls of Debt, and share Budgeting and Saving Techniques.

The class will discuss the nature of credit, how to establish and maintain good credit through good choices, and how to repair bad credit.Also, we will discuss the opportunities and pitfalls of debt. Lastly, how to manage money, importance of budgeting and practical techniques, and savings importance and techniques for the future.

Mark will also give information on helpful websites and how to participate in free Financial Fitness and Coaching programs and First Time Homebuyers programs after college to assist in major life choices.

Come learn about credit and why it's important. We will discuss what credit is, the difference between a credit score and a credit report, resources to help you with your credit and how to get your free credit report!

Description: Come to this interactive workshops to find out why and how to get your credit report, dispute inaccurate items on your report, what makes up your credit score and ways to build or rebuild your credit

This Credit Education event is hosted by the Frederick CountyLibrary in conjunction with the Frederick County Financial Literacy Coalition, the Prosperity Center at the Bernard Brown Community Center, United Way, Housing Authority of City of Frederick and Interfaith Housing Alliance.

The class is taught by Sue Rogan, Director of Financial Education with MD CASH Campaign.

Ah, that magical number, the credit score! Do you wish you knew all the secrets to having a good one? As part of Money Smart Week, Calvert Library Prince Frederick is hosting Maryland Cash Campaign on Thursday, April 23 at 7:00pm to present a workshop, Maximizing Your Credit Score, Minimizing Your Debt. Credit reporting and credit scores will be unmasked. Attendees will learn how to build credit and how to choose the best credit cards, car loans, student loans and mortgages. This session will be perfect for teens heading off to college, those looking to enter the housing market and anyone looking to increase their “money smarts!” Registration requested at CalvertLibrary.info or call Robyn Truslow at 410-535-091 or 301-855-1862.

This class will be taught by Lolita Curtis, Founder/CEO/President of The Assets For Financial Independence Foundation.

Description:The way we manage our credit and debt affects how much we pay for credit (i.e. interest rates), our ability to be qualified for more credit, and even employment opportunities and how much we pay for car insurance.

Participants will learn:
-All about credit scores
-How to get a credit report
-How to rebuild credit
-How to choose loan products
-Ways to avoid predatory loans, as well as
-How to manage debt.

One hundred years ago a group of caring community members came together to help those who were most in need. This particular group called themselves the Social Services League, and established their tradition of "Neighbors Helping Neighbors."

In 1959, the organization's name was changed to Family Services Agency. To meet the needs of the ever-changing Montgomery County population, Family Services has expanded and now houses 14 different programs! Today, Family Services is still committed to making a long-lasting impact on families.Through its innovative early childhood, educational, and behavioral health programs, Family Services makes a difference in the community.